W2R
Moderator Emeritus
Want2, I agree. I would hate to spend all that time jockeying for percentage points on the credit cards. I just pay cash. We do have a credit card, but there is never a balance on it and I'd never use it except for when we travel out of the country, as it offers a few additional protections that my debit doesn't.
To each his own, but to heck with my credit score--I don't want to ever be in debt again, and I consider being debt free to be a crucial part of my FIRE plans. Interesting that yours is still high despite the lack of credit useage.
I do have an unused $50K HELOC, which I have been meaning to cancel. But that's all, so I find it amusing that my credit scores (not technically FICO) available for free when I check my three credit reports annually are so high. Maybe it is due to the fact that I paid off my house in four years, though conventional wisdom would have it that one must be in hock up to one's eyeballs to get a high credit score.
I agree!! I don't ever want to owe money again.